The IHG One Rewards Premier Credit Card edges out the Choice Privileges Select Mastercard for most cardholders — it wins on 2 of 4 comparison categories and offers 175,000 pts signup bonus. The Choice Privileges Select Mastercard is the better choice if you want no or lower annual fee.
Choice Privileges Select Mastercard vs IHG One Rewards Premier Credit Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Choice Hotels® properties22 plus on Choice Privileges point purchases 10x
- gas stations, grocery stores, home improvement stores and phone plan services 5x
- All Other Purchases 1x
- IHG Hotels and Resorts 10x
- Travel 5x
- Dining 5x
- Statement Credit $100
- Statement Credit $120
- Statement Credit $50
- 4th award night free
- Platinum Elite Status
- 100 Statement CreditAfter $20,000 spend
- 10000 pointsAfter $20,000 spend
Quick summary
A short version of the comparison with the main differences at a glance.
The IHG One Rewards Premier Credit Card edges out the Choice Privileges Select Mastercard for most cardholders — it wins on 2 of 4 comparison categories and offers 175,000 pts signup bonus. The Choice Privileges Select Mastercard is the better choice if you want no or lower annual fee. On raw upside, IHG One Rewards Premier Credit Card tops out at 10x versus 10x for Choice Privileges Select Mastercard. Current signup bonus values are roughly $360 for Choice Privileges Select Mastercard and $1225 for IHG One Rewards Premier Credit Card. Updated May 31, 2026. Source: https://cardcurator.ai/compare/choice-privileges-select-mastercard-vs-ihg-one-rewards-premier-credit-card
- IHG One Rewards Premier Credit Card wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: IHG One Rewards Premier Credit Card reaches 10x; Choice Privileges Select Mastercard reaches 10x.
- Annual fee: IHG One Rewards Premier Credit Card is $99/yr; Choice Privileges Select Mastercard is $95/yr.
- Current public bonus values are approximately $360 and $1225.
Common Questions: Choice Privileges Select Mastercard vs IHG One Rewards Premier Credit Card
Is the Choice Privileges Select Mastercard or IHG One Rewards Premier Credit Card better for dining?
Choice Privileges Select Mastercard has no dining bonus; IHG One Rewards Premier Credit Card earns 5x on dining.
Which has the higher signup bonus in 2026?
Choice Privileges Select Mastercard currently offers 60,000 pts signup bonus (spend $3,000 in 3 months). IHG One Rewards Premier Credit Card offers 175,000 pts signup bonus (spend $5,000 in 3 months). IHG One Rewards Premier Credit Card has the larger bonus.
Which card is better for international travel?
IHG One Rewards Premier Credit Card charges no foreign transaction fees — the better pick for international use. Choice Privileges Select Mastercard charges 3% on foreign purchases.
Can I hold both the Choice Privileges Select Mastercard and the IHG One Rewards Premier Credit Card?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Choice Privileges Select Mastercard is from Wells Fargo and IHG One Rewards Premier Credit Card is from Chase, so they're governed by separate bank policies.